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PGC

Peapack-Gladstone FinancialD
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Bull case: continued buybacks and steady dividends combined with stable credit metrics and modest NIM recovery push valuation toward the high analyst targets; favorable macro and limited CRE stress would support ~+30–35% upside versus anchor.
Posture
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +1.4.
What can break
CRE concentration and potential localized loan losses
Momentum
55
Value
45
Sentiment
44
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.50 · Bull $39.00 · Bear $27.79Analysis 2026-01-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-27 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $55.75
Why
Momentum55 · Δ7d +10.4
Value45 · Δ7d -0.0
Sentiment44 · Δ7d +1.4
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +1.4.

Contradictions & invalidation

  • • CRE concentration and potential localized loan losses
  • • Net interest margin compression if rates decline
  • • Bear case: NIM compression, a deterioration in CRE credit, or a sudden funding shock could compress multiples below peers and send the stock toward the analyst low or below; limited liquidity and local market concentration amplify downside.

Catalyst clock

2025-12-23

Share repurchase program expansion (announced)

Lead driver: Sentiment · See AI snapshot
Momentum
55
9% active weight
Current posture
7d trendImproving
Δ7d
+10.4
Δ21d
-17.3
Value
45
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-3.7
Sentiment
44
62% active weight
Current posture
7d trendImproving
Δ7d
+1.4
Δ21d
+3.1
Why this grade

Composite grade D. Momentum 55.0 / Value 45.4 / Sentiment 43.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-27. Scenario method

B+
Bull case
20%
Probability
Target price
$39.00
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$34.50
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$27.79
Analysis reference price unavailable
Analysis 2026-01-27 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$828.07M
Beta
0.73
Shares Out
17.73M
P/E (TTM)
14.8
P/S (TTM)
1.87
P/FCF (TTM)
9.72
Rev YoY
+10.2%
EPS YoY
+89.6%
Gross Margin
-
Op Margin
+15.5%
Net Debt
$208.07M
Current Ratio
0.08
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data